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    • Suspect that the claim may need to be heard in HK instead of the UK as you are no longer resident over here.    Let the guys come along and advise.
    • I sent one to Together Money- who are Blemain I believe?  Unless there's another address ? I sent one by post to the address on the Together site...
    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.    I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010.   There is a difference with my case, however and I need some advice.    I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday.   There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this:   1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad”   2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess)   3. If I do that, should I send the three forms separately or together?   4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.    I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK?   Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
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Nationwide want to offst PPI - can i challenged them?

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I am annoyed that Nationwide last year acknowledged my PPI claim but decided that since the 2002 disputed debt still existed they would setoff the PPI refund.

I never responded however while I understand that their claim against me is now out of time the alleged debt still exists ... or does it??

Wikipedia says ... The law thus allows both parties to defer payment until their respective claims have been heard in court. 

This is partly why setoff was introduced... however if no case will be heard how can they initiate setoff??

Additionally... we are all aware that banks use their irrecoverable debts to offset against tax liabilities so it is unlikely that my alleged debt is still on their balance sheet.

could i not insist on a dpa response to determine how they dealt with my alleged debt and to prove that the alleged debt still exists on their balance sheet??

Any comments or observations would be welcome.


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if the original creditor still owns the debt yes they can offset

in E&W the statute of limitations regarding 6yrs statute barring only prevents enforcement action of a judgement, so owners of debts don't usually bother going to court as they cant ever enforce a judgement.

the debt itself still exists.

unlike Scotland whereby the debt is EXTINUISHED - dead gone parrot - after 5yrs.


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agreed dx100uk

 

IF the debt exists

if the debt exists then it must be on the balance sheet as a debt .. i want to ask them to prove that the debt does still exist, alternatively to repay me the charges.

 


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if its still owned by the OC is always exists.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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have to disgree im afraid:

if they have used it to offset tax then they no longer have my debt and have not declared it as an asset.

need to find out...


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Nope.if its still owned by the org creditor they dont do that. Only upon sale would they redeem anything they could


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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